PayPal
Company
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global network that connects hundreds of millions of merchants and consumers. We provide proprietary payment solutions to enable merchants and consumers to transact online or in person, manage risk, and access cross‑border commerce.
Job Description Summary This role drives revenue growth, leads negotiations with partners, develops business strategy, influences product outcomes, aligns product levers, engages with product and engineering teams, represents the end customer, and collaborates with stakeholders to ensure successful delivery of solutions and maximize market expansion opportunities.
Essential Responsibilities
Drive revenue growth and global market expansion by identifying and cultivating strategic partnerships and opportunities.
Lead negotiation with external partners and engage cross‑functional support colleagues to ensure successful delivery of complex partnership solutions.
Develop and execute an overall business strategy to identify and cultivate partnership opportunities.
Influence negotiation with external partners, engaging cross‑functional support colleagues to ensure delivery of complex partnership solutions.
Align product and business levers (such as pricing and FX) to maximize revenue and market expansion opportunities.
Engage closely with product, engineering, and architecture teams to drive the architectural runway and determine best technical implementation/design.
Represent the end customer on an ongoing basis and use this knowledge to drive effective prioritization and decision‑making.
Expected Qualifications
12+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Additional Responsibilities and Preferred Qualifications To facilitate greater financial access and inclusion for small businesses and consumers in the United States, PayPal is establishing a de novo industrial loan company (ILC). The ILC will leverage technology to make financial services and commerce more convenient, affordable, and secure. For this ILC, PayPal seeks an experienced Chief Credit Officer (CCO) responsible for the overall quality of the merchant credit portfolio, ensuring lending activities are conducted safely and soundly in compliance with Board‑approved policies.
Key Responsibilities
Develop and maintain merchant lending policies and monitor compliance.
Develop portfolio analytics to monitor performance and risk.
Prepare monthly and quarterly lending activity and portfolio condition reports for the Board and regulatory agencies.
Serve on the management‑level Credit Committee and act as principal spokesperson for the lending function.
Make credit decisions within assigned authority and review decisions made by others.
Prepare the quarterly allowance for credit loss (ACL) analysis and coordinate with the CFO for financial reporting.
Monitor Fair Lending compliance via reporting and policy adherence in conjunction with the Chief Compliance Officer and CRO.
Make decisions on both administrative and operational matters pertaining to lending.
Supervise the collection of non‑performing and charged‑off loans.
Ensure lending activities comply with regulatory requirements.
Oversee credit staff and implement training programs on credit administration.
Serve as a member of the executive management team, participating in strategic planning, budgeting, policy development, and asset/liability management.
Develop, implement, and regularly update credit policies, procedures, and risk management frameworks to ensure regulatory compliance and alignment with the bank’s strategic objectives.
Required Qualifications
15+ years of progressive experience in credit administration, commercial lending, and portfolio management within the banking sector, with at least 3–5 years in a senior or executive credit management role. Community banking experience strongly preferred.
Demonstrated experience in developing, implementing, and monitoring credit policies and procedures, including risk grading, underwriting standards, and loan review.
Advanced knowledge of credit analysis, risk assessment, loan structuring, and financial statement interpretation.
Expertise in credit risk management, portfolio stress testing, risk rating systems, and allowance for ACL methodologies.
Proficient with credit administration systems, loan originations platforms, core banking software, and advanced skills in Microsoft Office and data analytics tools.
Strong ability to prepare, interpret, and present complex credit and risk management reports for executive management, Board committees, and regulators.
Demonstrated ability to lead, mentor, and develop high‑performing credit and lending teams with a commitment to staff training, performance management, and succession planning.
Exceptional verbal and written communication skills; able to present complex credit and risk information clearly to the Board of Directors, executive management, regulators, and staff.
Unquestionable integrity, sound judgment, and a commitment to ethical conduct and confidentiality.
Bachelor of Science in Finance, Accounting, Business Administration, Economics, or a closely related field. MBA preferred. Credit Risk Certification (CRC), Certified Lender Business Banker (CLBB), Certified Public Accountant (CPA), or similar credentials are advantageous.
This role is currently remote. Upon the opening of a company office in the Salt Lake City metro area, the expectation will be to work from the office three (3) days per week.
Commitment to Diversity and Inclusion PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. PayPal will provide reasonable accommodations for qualified individuals with disabilities.
Belonging at PayPal: Our employees are central to advancing our mission and we strive to create a workplace where everyone can do their best work with a sense of purpose and belonging. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve.
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Job Description Summary This role drives revenue growth, leads negotiations with partners, develops business strategy, influences product outcomes, aligns product levers, engages with product and engineering teams, represents the end customer, and collaborates with stakeholders to ensure successful delivery of solutions and maximize market expansion opportunities.
Essential Responsibilities
Drive revenue growth and global market expansion by identifying and cultivating strategic partnerships and opportunities.
Lead negotiation with external partners and engage cross‑functional support colleagues to ensure successful delivery of complex partnership solutions.
Develop and execute an overall business strategy to identify and cultivate partnership opportunities.
Influence negotiation with external partners, engaging cross‑functional support colleagues to ensure delivery of complex partnership solutions.
Align product and business levers (such as pricing and FX) to maximize revenue and market expansion opportunities.
Engage closely with product, engineering, and architecture teams to drive the architectural runway and determine best technical implementation/design.
Represent the end customer on an ongoing basis and use this knowledge to drive effective prioritization and decision‑making.
Expected Qualifications
12+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Additional Responsibilities and Preferred Qualifications To facilitate greater financial access and inclusion for small businesses and consumers in the United States, PayPal is establishing a de novo industrial loan company (ILC). The ILC will leverage technology to make financial services and commerce more convenient, affordable, and secure. For this ILC, PayPal seeks an experienced Chief Credit Officer (CCO) responsible for the overall quality of the merchant credit portfolio, ensuring lending activities are conducted safely and soundly in compliance with Board‑approved policies.
Key Responsibilities
Develop and maintain merchant lending policies and monitor compliance.
Develop portfolio analytics to monitor performance and risk.
Prepare monthly and quarterly lending activity and portfolio condition reports for the Board and regulatory agencies.
Serve on the management‑level Credit Committee and act as principal spokesperson for the lending function.
Make credit decisions within assigned authority and review decisions made by others.
Prepare the quarterly allowance for credit loss (ACL) analysis and coordinate with the CFO for financial reporting.
Monitor Fair Lending compliance via reporting and policy adherence in conjunction with the Chief Compliance Officer and CRO.
Make decisions on both administrative and operational matters pertaining to lending.
Supervise the collection of non‑performing and charged‑off loans.
Ensure lending activities comply with regulatory requirements.
Oversee credit staff and implement training programs on credit administration.
Serve as a member of the executive management team, participating in strategic planning, budgeting, policy development, and asset/liability management.
Develop, implement, and regularly update credit policies, procedures, and risk management frameworks to ensure regulatory compliance and alignment with the bank’s strategic objectives.
Required Qualifications
15+ years of progressive experience in credit administration, commercial lending, and portfolio management within the banking sector, with at least 3–5 years in a senior or executive credit management role. Community banking experience strongly preferred.
Demonstrated experience in developing, implementing, and monitoring credit policies and procedures, including risk grading, underwriting standards, and loan review.
Advanced knowledge of credit analysis, risk assessment, loan structuring, and financial statement interpretation.
Expertise in credit risk management, portfolio stress testing, risk rating systems, and allowance for ACL methodologies.
Proficient with credit administration systems, loan originations platforms, core banking software, and advanced skills in Microsoft Office and data analytics tools.
Strong ability to prepare, interpret, and present complex credit and risk management reports for executive management, Board committees, and regulators.
Demonstrated ability to lead, mentor, and develop high‑performing credit and lending teams with a commitment to staff training, performance management, and succession planning.
Exceptional verbal and written communication skills; able to present complex credit and risk information clearly to the Board of Directors, executive management, regulators, and staff.
Unquestionable integrity, sound judgment, and a commitment to ethical conduct and confidentiality.
Bachelor of Science in Finance, Accounting, Business Administration, Economics, or a closely related field. MBA preferred. Credit Risk Certification (CRC), Certified Lender Business Banker (CLBB), Certified Public Accountant (CPA), or similar credentials are advantageous.
This role is currently remote. Upon the opening of a company office in the Salt Lake City metro area, the expectation will be to work from the office three (3) days per week.
Commitment to Diversity and Inclusion PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. PayPal will provide reasonable accommodations for qualified individuals with disabilities.
Belonging at PayPal: Our employees are central to advancing our mission and we strive to create a workplace where everyone can do their best work with a sense of purpose and belonging. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve.
#J-18808-Ljbffr